PT Bank Rakyat Indonesia (Persero) Tbk — Cyborg Score 6/10

Strategic Profile

BBRI is recognized for extending its reach to rural areas and underserved communities through microfinance initiatives, with a robust network of branches and digital platforms ensuring accessibility across Indonesia. Current management is taking a more conservative approach to maintain asset quality, with a strategic portfolio shift towards corporate lending to offset slower micro segment growth.

Cyborg Score Rationale

BBRI has a market capitalization of approximately 567.72 trillion IDR, strong dividend payouts, and substantial asset base. However, asset quality challenges persist with elevated non-performing loans in the micro segment (4.0% industry-wide, highest since 2011) and credit costs expected to exceed targets.

Top Insights

• BBRI offers an attractive dividend yield of 8.42% with strong dividend growth over the past decade
• Significant microfinance portfolio stress with elevated NPL ratios reached 4.0%, the highest since 2011, requiring provisioning adjustments
• TTM revenue stands at $11.10 billion USD as of February 2026, with consistent growth trajectory
• Recent quarterly net income of 14.50 trillion IDR shows 15.06% quarter-over-quarter growth, indicating operational momentum

Named Competitors

• Mandiri Bank — Indonesia's largest bank by assets
• BCA — Premium retail banking in Indonesia
• BNI — State-owned general commercial bank

Recent Developments

• (January 2026) Management focus shifting towards conservative asset quality maintenance and corporate portfolio expansion
• (September 2025) Widening provisioning expenses impacting profitability due to elevated credit risk
• (February 2025) Substantial micro loan write-offs at end of 2024 with elevated NPL levels persisting into first half of 2025

Open the full interactive PT Bank Rakyat Indonesia (Persero) Tbk report

Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.